Anyone have private benefits?

Hello ladies,
I would like to be a sahm, but dh isn't making quite enough yet for that to be possible. One of the biggest reasons is that ds and I are currently on my benefits. It is free for dh to have benefits through his work but 700-800 a month for ds and I to go on his benefits. Do any of you have private benefits or know anything about them? I am young and healthy, but the main thing I worry about is when we decide to have baby #2, I want to be well covered.

Hello ladies,
I would like to be a sahm, but dh isn't making quite enough yet for that to be possible. One of the biggest reasons is that ds and I are currently on my benefits. It is free for dh to have benefits through his work but 700-800 a month for ds and I to go on his benefits. Do any of you have private benefits or know anything about them? I am young and healthy, but the main thing I worry about is when we decide to have baby #2, I want to be well covered.

I had private benefits when I was pregnant with DS. We had blue cross blue shield and basically called around to get a good rate. We did a high premium with a low deductible because we knew we wanted to get pregnant. You have to see what their policy on pregnancy is because a lot of insurance policies will not cover it in the first year of coverage. We chose one where I could get pregnant right away.

I had private benefits when I was pregnant with DS. We had blue cross blue shield and basically called around to get a good rate. We did a high premium with a low deductible because we knew we wanted to get pregnant. You have to see what their policy on pregnancy is because a lot of insurance policies will not cover it in the first year of coverage. We chose one where I could get pregnant right away.

I am in FL and have great insurance through Blue Cross Blue Shield Options. I only pay $97 a month and the yearly max out of pocket is $2500. I added maternity, they have two different plans, the only thing is you have to have the maternity plan one month before concieving. My husbands job doesnt offer insurance. Hope that helps!

I am in FL and have great insurance through Blue Cross Blue Shield Options. I only pay $97 a month and the yearly max out of pocket is $2500. I added maternity, they have two different plans, the only thing is you have to have the maternity plan one month before concieving. My husbands job doesnt offer insurance. Hope that helps!

Thank you ladies, this is SUPER helpful! Did you just call blue cross blue shield directly or go through a website or broker? Any advice for private insurance? For example, I've heard that its hard to get good customer service when you do it privately, also I'm scared of a 'fine print' situation where I get myself into something without realizing it. Especially when it comes to maternity benefits. Is there a plan number or name you can reference for me to look into? I really appreciate the advice!

Thank you ladies, this is SUPER helpful! Did you just call blue cross blue shield directly or go through a website or broker? Any advice for private insurance? For example, I've heard that its hard to get good customer service when you do it privately, also I'm scared of a 'fine print' situation where I get myself into something without realizing it. Especially when it comes to maternity benefits. Is there a plan number or name you can reference for me to look into? I really appreciate the advice!

Also, look into Aflac. I heard from a gf in birthing class that she and her dh started a policy with them to help with maternity leave. I wish I knew more details, but I remember wishing we had done it! Hth. As far as private benefits we had to join dh's policy, not cheap but better than none :-/

Also, look into Aflac. I heard from a gf in birthing class that she and her dh started a policy with them to help with maternity leave. I wish I knew more details, but I remember wishing we had done it! Hth. As far as private benefits we had to join dh's policy, not cheap but better than none :-/

I talked with a rep from ehealthinsurance today and she said none of the providers included policies with maternity benefits. Does anyone have more information? Can you really not get a private health insurance plan that would cover maternity in the future? I'm not currently pregnant or anything...

I talked with a rep from ehealthinsurance today and she said none of the providers included policies with maternity benefits. Does anyone have more information? Can you really not get a private health insurance plan that would cover maternity in the future? I'm not currently pregnant or anything...

I had blue cross blue shield that was an 80/20 and a $250 deductible and it covered maternity as soon as we started as long as I wasn't already pregnant. We were in PA at that time and now have insurance through DH's work

I had blue cross blue shield that was an 80/20 and a $250 deductible and it covered maternity as soon as we started as long as I wasn't already pregnant. We were in PA at that time and now have insurance through DH's work

Sorry, i didnt see your reply. I talked to an agent that told me about the plan, i did not see it posted online. They were the only one I could find that had maternity. And it was better than any coverage I had as a job benefit.

Sorry, i didnt see your reply. I talked to an agent that told me about the plan, i did not see it posted online. They were the only one I could find that had maternity. And it was better than any coverage I had as a job benefit.

I live in Texas and had bcbstx and they did not cover pregnancy nor is it offered anywhere in texas thru private insurance. Unfortunately I found out after I got pregnant and my DH job did not offer benefits because he did not make the hours he needed. Needless to say we are stuck with all the out of pocket cost. Make sure you ask about that portion of coverage specifically!

I live in Texas and had bcbstx and they did not cover pregnancy nor is it offered anywhere in texas thru private insurance. Unfortunately I found out after I got pregnant and my DH job did not offer benefits because he did not make the hours he needed. Needless to say we are stuck with all the out of pocket cost. Make sure you ask about that portion of coverage specifically!

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